Credit unions offer higher rates on savings accounts
Credit unions charge lower rates on credit cards
30,000+ ATMs Nationwide
Credit union account holders can get access to cash with low or no fees anywhere throughout the country.
Easy Access
There are more than 5,000 credit unions throughout the U.S. and nearly anyone can join.
Your Money is Safe
All federally chartered credit unions are insured up to $250,000 by the National Credit Union Administration.
The Credit Union Difference.
Credit Unions
Banks
Members are owners.
Owned by shareholders.
Members server on the board of directors.
Shareholders server on the board of directors.
Board members are volunteers.
Board members are paid to serve.
Not-for-profit organizations.
For-profit organizations.
Earnings are returned to members in the form of higher savings rates, minimal fees and lower loan rates.
Profits are paid to shareholders.
Typically have more fees and higher loan rates.
Service driven.
Profit driven.
Decisions are made locally by people who live and work in the communities served.
Headquarters and decision makers could be located anywhere.
Deposits insured by NCUA up to $250,000.
Deposits insured by FDIC up to $250,000.